Replacement camera via house insurance...Like for like required....

Marcel

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Marcel
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Well, as it transpires, my little Ixus 100 that I bought last year does not like swimming in the Aegean sea.

(Yes, dropped it in the sea while I was on holiday last week).
I rinsed it out straight away with a hose, took the battery out,.....
Tried it a while later and it turned on, then off again...Eventually it just turned on then died.

Rang the house insurance (Morethan) and she said yes you're covered, and what they normally do is offer argos vouchers, or if Argos can't do it I'm to also look around.
I told her the price I paid for it, which was 175.33. My excess is £50.

She told me to look in Argos for a similar specced camera and let them know. I asked her about cost (this is the first time Ive ever made an insurance claim), and she said "it's not really about the price, it's about the specifications".

Now, the Ixus 100 is now a discontinued model.
The only one similar at Argos is the Ixus 110 at 179.99. While it's similarly specced....it's bloody ugly.

I know it may be pushing it, but I'd like the Panasonix TZ7 or 8. Argos sell them but there is no sign of stock, and they are £220 ish (I'd be happy to pay the difference myself...seeing as I'll be paying the excess anyway).

LIke I say though, this is the first time I've ever made an insurance claim and with her telling me to choose the camera myself, I don't want to push it, but at the same time I don't want to lose out on the chance of getting a better camera.

Anyone got any experience with this, or the insurance company etc?

Thanks :)
 
Well the problem with that is that Argos dont seem to have stock.

I've found it on Amazon for 197 though.
 
maybe cite the Ixus 120IS ? - it's similar (to layman) spec - 12.1mp 2.7" screen and similar zoom 4x...

that should get you most of the way to a TZ6/7/10 :)

edit: ahh - didn't spot the stock situation... though the TZ10 is a new release camera, and there's a good chance they'll be getting them in I suppose!
 
I had to claim for my laptop a while back - I'd paid a grand for it, but as it was a year old and not a model the insurer's supplier dealt with they offered me a Samsung thing that I discovered retailed at under £250 :suspect:

Ended up well enough in the end though, they eventually agreed to supply a Sony that retailed at £1000 :thumbs:
 
I had to claim for my laptop a while back - I'd paid a grand for it, but as it was a year old and not a model the insurer's supplier dealt with they offered me a Samsung thing that I discovered retailed at under £250 :suspect:

Ended up well enough in the end though, they eventually agreed to supply a Sony that retailed at £1000 :thumbs:


I had the opposite - a £250 used Sony laptop (ebay) then it got dropped down the stairs by the young'un and got a £1200 Sony VAIO .... No questions asked - althou £50 excess was needed
 
Well just rang them and explained, told them about the TZ8 adn she said that's OK.

What she's going to do now is get Evander to ring me and ask me more questions about the Ixus, and give the insurers a "limit of liability"....IE Theyre gonna value my ixus, give the insurers a figure....

I think :thinking:
 
Scratch that, she's just phoned back. Apparently Evander don't do cameras (she realised after she spoke to me), and she's going to send me a cheque for 199.xx minus the 50 excess.

Result!
 
Hehe probably yeah. TBH I was surprisingly calm when it went plop........Not sure why though...
 
Aaaand my TZ8 has turned up today....quite impressed with it so far!
 
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